Last edited by mistakes_maker; 13-12-2024 at 11:48 AM. Reason: Additional info
I was also of the mindset to pick the lowest fee fund (which is basically the DIS). However DIS (which is supposed to be a 60 / 40 split equity / bonds) while doing OK hasn't performed as well as a straight equity fund.
My view now is that you might as well stick your money in either an international or North American equity fund noting you are only investing a very small amount.
What I wouldn't recommend is spreading your money around several funds and keeping on chopping and changing them. Just stick to one fund and let that one keep on accumulating.
And yes fully appreciate that past performance can't guarantee future performance.
Ah yes I should have clarified - I meant choose the provider with the lowest fees, rather than the funds with the lowest fees. Within the provider I've picked funds that invest in global equities and global bonds (which both have reasonable fees - not the lowest but by no means the highest), the split between my preferred equities:bonds ratio.
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Last edited by periphery831; 14-12-2024 at 01:30 PM.